Dairy & Cheese Processors Insurance

Specialist insurance protection for milk processors, cheese manufacturers, creameries, and dairy product producers

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We compare quotes from leading food & manufacturing insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Insurance Built for Dairy & Cheese Manufacturers

Dairy and cheese processing is a highly regulated, equipment-intensive, and contamination-sensitive industry. From raw milk intake and pasteurisation through to maturation, packaging, cold storage and distribution, your business faces unique operational, hygiene, liability, and financial risks.

Insure24 provides tailored dairy processing insurance for UK businesses of all sizes – including creameries, artisan cheesemakers, large-scale processors, milk bottlers, yoghurt producers, butter manufacturers, and dairy wholesalers.

What Does Dairy & Cheese Processors Insurance Cover?

  • Product Liability – protection against food poisoning, contamination and allergen claims
  • Public Liability – cover for visitor, contractor and delivery injuries
  • Employers’ Liability – mandatory cover for staff injuries and illness
  • Buildings & Contents – dairies, creameries, cold stores, plant and equipment
  • Stock Insurance – raw milk, cheese, butter, yoghurt and finished products
  • Business Interruption – loss of income following insured events
  • Machinery Breakdown – pasteurisers, separators, chillers, bottling lines
  • Product Recall & Contamination Cover
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Common Risks for Dairy & Cheese Processing Businesses

  • Bacterial contamination (Listeria, Salmonella, E. coli)
  • Cold chain failure and refrigeration breakdown
  • Product recalls and food safety alerts
  • Equipment failure halting production
  • Fire, flood or water damage to processing areas
  • Allergen mis-labelling claims
  • Environmental pollution from effluent or waste

Dairy Industry Compliance & Regulation

Dairy processors must comply with strict UK and EU food safety regulations. Failure to meet hygiene, labelling, and traceability standards can result in fines, enforced closures, and significant reputational damage.

  • Food Safety Act & HACCP compliance
  • FSA & local authority inspections
  • Temperature and cold-chain record keeping
  • Allergen labelling obligations
  • Environmental waste and effluent controls
  • Product recall traceability systems

Why Choose Insure24 for Dairy Processing Insurance?

  • Specialist food & drink manufacturing expertise
  • Access to insurers experienced in dairy risks
  • Tailored cover for artisan to industrial processors
  • Fast quotes and dedicated claims support
  • Competitive premiums without cutting cover
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FREQUENTLY ASKED QUESTIONS

+-What insurance does a dairy or cheese processor need?

Most dairy processors need product liability, public liability, employers’ liability, buildings and contents, stock insurance, machinery breakdown, business interruption, and often product recall cover.

+-Is product liability insurance essential for dairy manufacturers?

Yes. Dairy products carry high contamination risk. Product liability protects you against food poisoning, allergen claims, recalls, and legal defence costs.

+-Does insurance cover refrigeration or cold-store failure?

Yes, with the correct extensions. Stock deterioration and machinery breakdown cover can protect against losses caused by refrigeration failure.

+-Can artisan and small-batch cheesemakers get cover?

Absolutely. We arrange tailored policies for farm-based producers, artisan cheesemakers, and small-scale dairy operations.

+-How much does dairy processing insurance cost?

Premiums depend on turnover, production scale, products, hygiene controls, claims history, and required limits. Contact us for a tailored quote.

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